The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,346
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,854
−HK$517/mo
Today · 4.125%
HK$17,371
baseline
▲ 0.50% · 4.625%
HK$18,428
+HK$1,057/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,742/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,185
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,672
−HK$495/mo
Today · 4.125%
HK$19,167
baseline
▲ 0.50% · 4.625%
HK$20,177
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,334/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,615
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,225
−HK$620/mo
Today · 4.125%
HK$20,845
baseline
▲ 0.50% · 4.625%
HK$22,113
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,690/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,821
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,407
−HK$593/mo
Today · 4.125%
HK$23,000
baseline
▲ 0.50% · 4.625%
HK$24,213
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,000/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,884
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,596
−HK$723/mo
Today · 4.125%
HK$24,319
baseline
▲ 0.50% · 4.625%
HK$25,799
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,638/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,458
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,141
−HK$693/mo
Today · 4.125%
HK$26,834
baseline
▲ 0.50% · 4.625%
HK$28,248
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,668/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,422
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,338
−HK$929/mo
Today · 4.125%
HK$31,267
baseline
▲ 0.50% · 4.625%
HK$33,170
+HK$1,903/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,534/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,732
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,610
−HK$891/mo
Today · 4.125%
HK$34,501
baseline
▲ 0.50% · 4.625%
HK$36,319
+HK$1,818/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$69,002/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,053 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).